Terms of Service

Last Updated: January 19, 2025

Welcome to Artul.ai. By using our service, you agree to these Terms of Service. Please read them carefully.

1. Acceptance of Terms

By accessing or using Artul.ai, you agree to be bound by these Terms of Service and our Privacy Policy. If you disagree with any part of these terms, you may not use our service.

2. Description of Service

Artul.ai provides AI-powered analysis of earnings call transcripts to identify patterns in corporate communications. Our service:

• Analyzes publicly available earnings transcripts
• Identifies linguistic patterns and trends
• Provides statistical insights based on historical data
• Offers a platform for users to ask questions about earnings language

3. User Accounts

Account Creation

• You must provide accurate and complete information
• You are responsible for maintaining account security
• You must be at least 18 years old to use our service
• One person or entity may not maintain multiple accounts

Account Security

You are responsible for:

• Keeping your password confidential
• All activities under your account
• Notifying us immediately of unauthorized access

4. Subscription and Payment

Pricing Plans

• Explorer: $1/month - 1 question per month
• Professional: $97/month - 200 questions per month
• Institution: Custom pricing for teams

Billing

• Subscriptions renew automatically
• Payment is due at the beginning of each billing cycle
• We accept major credit cards and payment processors
• All fees are in USD unless otherwise stated

Refunds

We offer a 7-day money-back guarantee for new subscribers. After 7 days, payments are non-refundable except where required by law.

5. Acceptable Use Policy

You agree NOT to:

• Use our service for illegal activities or market manipulation
• Attempt to reverse-engineer our algorithms
• Scrape, harvest, or collect data through automated means
• Share your account with others
• Resell or redistribute our insights without permission
• Use our service to harm, harass, or defame others
• Attempt to gain unauthorized access to our systems

6. Intellectual Property

Our Content

All content, features, and functionality of Artul.ai are owned by Artul AI, Inc. and are protected by international copyright, trademark, and other intellectual property laws.

Your Content

You retain ownership of questions you submit. By using our service, you grant us a license to process your queries to provide the service.

7. Investment Disclaimers

IMPORTANT DISCLAIMERS:

• Artul.ai is NOT a registered investment advisor
• Our analysis is for informational and educational purposes only
• We do not provide personalized investment advice
• Past patterns do not guarantee future performance
• You are solely responsible for your investment decisions
• We are not liable for any investment losses

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• Artul.ai is provided "as is" without warranties of any kind
• We are not liable for investment losses or missed opportunities
• Our total liability is limited to the amount you paid us in the past 12 months
• We are not responsible for third-party content or services

9. Indemnification

You agree to indemnify and hold harmless Artul AI, Inc., its officers, directors, employees, and agents from any claims, damages, or expenses arising from your use of the service or violation of these terms.

10. Privacy and Data Protection

Your use of our service is also governed by our Privacy Policy. We take data protection seriously and implement industry-standard security measures.

11. Modifications to Service

We reserve the right to:

• Modify or discontinue features at any time
• Change pricing with 30 days notice
• Update these Terms of Service
• Suspend or terminate accounts that violate these terms

12. Termination

Either party may terminate this agreement:

• You may cancel your subscription at any time
• We may terminate accounts that violate these terms
• Upon termination, your access to the service will end
• Termination does not affect accrued rights or obligations

13. Governing Law

These Terms are governed by the laws of the State of Delaware, USA, without regard to conflict of law principles. Any disputes shall be resolved in the courts of Delaware.

14. Contact Information

For questions about these Terms of Service:

• Email: [email protected]
• General Support: [email protected]
• Address: Artul AI, Inc., Delaware, USA

15. Entire Agreement

These Terms of Service, together with our Privacy Policy, constitute the entire agreement between you and Artul AI, Inc. regarding the use of our service.